IIFL Finance: Gold & MSME Loan

IIFL Finance Limited

About this app

Apply For Gold Loans & Business Loans With The IIFL Finance App Today❗

Are you looking for loans with transparent terms & quick processing? Welcome to IIFL Finance – the most favourable place to get gold and MSME loans for your needs. We make applying for a loan online stress-free with quick processing, hassle-free approvals & minimal documentation.

IIFL Finance Gold Loans
👉Quick Disbursal
👉Minimal Documentation
👉Attractive Interest Rates
👉No Hidden Charges*
👉100% Insurance Of Pledged Gold
👉Zero Charges For Part Release
👉No Foreclosure Charges*
👉Maximum Value For Gold

Use our gold loan calculator to check your eligible amount based on gold weight and market rates. You can also transfer your existing gold loan to the IIFL app for easy repayment. Apply on the IIFL Finance App and visit a branch for quick gold valuation and approval.

💰Earn Rewards Through Referral: Earn exclusive reward points by referring the IIFL Gold & Business Loans to your friends.
1 reward point = ₹1

Gold Loan Details
1. Gold Loan amount ranges from Rs. 3,000 - Rs. 30 Lakhs (Additional Due Diligence above Rs. 30 Lakhs)
2. Loan duration: 12 months- 24 months
3. Annual Gold Loan Interest rates (APR*, Min to Max): 11.88% - 27%
4. Processing fee: Up to 2% of the loan amount.

Here is an Example:
→ Loan Amount: ₹3,00,000
→ Tenure: 12 months
→ Total Interest: ₹36,000 (12% per annum)
→ Processing Fee: ₹531 (0.15% of Loan Amount: ₹450 + GST @18%: ₹531)
→ Monthly Interest Amount: ₹3000
→ Total Loan Repayment Amount: ₹3,36,531

*Disclaimer: The rates specified are indicative interest rates. The actual APR may differ based on the actual fees & charges applicable to the specific case.

IIFL Finance Business Loans
Need Business Funding? Apply for an IIFL Finance Business Loan via the IIFL Loans App.
When you're expanding an existing MSME business, IIFL Finance Business Loan gives you the financial strength to drive your business forward.

👉Quick Approvals & Disbursal* – Hassle-free application process and quick disbursal post approval.
👉Transparent Terms – No hidden charges; all costs clearly communicated upfront.
👉No Collateral Required – Unsecured loan available with minimal documentation.
👉Attractive Interest Rates* – Competitive interest on business loans makes borrowing
affordable.
👉Business Loan Calculator – Estimate your Business Loan EMIs quickly within the app.
👉Customer Support – Prompt grievance redressal for a smooth experience.

Who Can Apply?
→ Business Owners – Expand operations, upgrade infrastructure, or manage cash flow with the help of IIFL Finance Business Loans.
→ MSMEs – Manage your working capital, purchase inventory, or scale up operations with IIFL Finance Business Loans.

*Disclaimer: Loan disbursal is subject to eligibility and verification. Terms and conditions apply

Home Loan
Planning to buy your dream house? Use our home loan calculator to easily estimate home loan EMIs & get funds quickly into your account with smooth loan processing.

Reach Us At:
Registered Office
IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Industrial Area, Wagle Estate, Thane - 400604.
Call Us On:
1860-267-3000, 7039-050-000

Ditch the complicated loan apps in India and say hello to the IIFL Finance App to get easy gold & business loans. Download today and unlock your financial freedom!

*Terms and Conditions Apply. Visit our website for more.
*Loans closed within 7 days of disbursal will be charged 7 days’ interest as foreclosure fee.
Disclaimer:
Any/ all loan product specifications and information that may be stated are subject to change from time to time. IIFL Finance Limited (including its associates & affiliates) ("IIFL") assumes no liability or responsibility for any errors or omissions in the content stated herein, and under no circumstances shall IIFL be liable for any damage, loss, injury, or disappointment suffered by any reader.

Ratings and reviews

This app is misguiding the customers by doing false marketing on their website. They show the interest rate for gold loan will be 0.99% per month but despite of having good cibil score and history they charge 1.50 to 1.25 % per month interest in person. This shouldn't be done with customers as a bad practice.

Earlier, the app allowed users to pay the outstanding principal directly. Now, for any extra payment, we are required to visit the branch, which is inconvenient. If there is an option to apply for a top-up through the app, there should also be an option to make additional principal payments within the app itself.

The gold valuation suddenly dropped without any logic. My per‑gram rate fell from ₹9,220 to ₹9,000, and my top‑up amount reduced by ₹4,500, even though market gold prices are rising. This reverse trend is unacceptable. IIFL must explain their valuation method and correct this unfair calculation. IIFL’s overall offering is good, but the current gram rate is too low. Please revise the gram rate in line with RBI guidelines by first taking 95% of the prevailing market rate, and then offering 75%.

What’s new

Improvement and optimization